Stock Market Truth: Beginners Gain Experience, Pros Build Wealth
Understand why your early investing mistakes are necessary - and how to turn them into future wealth.
Why Does It Feel Like I’m always Buying at the Top? (Sounds familiar)
Bunny was staring at his phone again. Another red day. Stock market ne phir se dhoka de diya.
“Uncle, I entered after researching for 3 days… and abhi dekho - straight 4% down! Stock market is always against me.”
I smiled, stirred my chai, and replied calmly:
“Bunny, market tumhare against nahi hai… tum bas beginner ho. Aur beginners ka kaam hai, stock market se experience kamana, not wealth.”
And that’s exactly what this blog is about.
Why your early investing pain is not a punishment… its preparation.
Bunny’s Breakdown
Bunny had been investing for a while.
He learned investing from Whatsapp University and thought, “Main toh ab pro ho gaya hoon!”
He bought a trending mutual fund, and in just 10 months his returns were a “STAGGERING -17% (Negative 17%)”. Blood Red Colour, all over his portfolio.
His face was like a samosa with no aloo.
“Uncle, ye stock market tab se hi girti jaa rahi hai, jab se maine investing start kari hai”
I took a slow sip and said,
“Bunny… jab Dhoni ne cricket start kiya tha, kya wo direct World Cup jeet gaya tha?”
I told Bunny a simple truth:
“Market sabko ek hi gift deta hai - experience pehle, paisa baad mein.”
And that’s not a bug. That’s the feature.
Beginner Bunny is not losing… he’s learning.
Because in investing:
Beginners pay school fees.
Experienced investors collect the salary.
I shared my own journey —
“Main bhi starting mein harr mutual fund me investment karta tha. Result?
Obviously, Loss and laughter.”
(Loss mera, laughter dusron ka.)
But over time, I started understanding and learning.
“what to buy,” “how to behave” and “what not to buy”.
Uncle’s Simple Plan for Beginners
“Bunny, tumhara bhi time aayega. Lekin uske liye kuch galtiyaan ho bhi gaye toh seekho unse. Meri salah maano to ‘Investing Uncle’ ko SUBSCRIBE kar lo, galtiyaan kamm karoge”
He looked at me, confused. “Galtiyaan toh avoid karni chahiye na?”
“Yes and No” I said with a wink. “Galtiyon se hi toh asli experience milta hai! This is what LIFE and STOCK MARKET is, but I would suggest, learn from other’s mistake, not from your own”
So here’s my 4-Step Desi Plan (4-Step DP):
1. Stop Chasing Tips, Start Chasing Habits
Buy because you understand, not because someone else is excited.
(Remember that blog? “Money Advice You Should Ignore” - read it if you haven’t.)
2. Don’t Check Daily. Invest Monthly.
Your SIP is your discipline.
Market girta hai? Shabash. You just bought cheap.
3. Track Learning, Not Returns
Your real return = confidence + clarity + calmness (3Cs).
Agar ye teeno hain to mutual fund se aaj nahi to kal, paisa bann jaaega.
4. Respect the Process
Long-term investing is like biryani.
Tez gas pe banaya toh sirf ‘jale hue chawal’ hi milenge.
Bunny Sees His Future
2 months later, Bunny came back.
No panic. No anger. Just Wisdom.
“Uncle, I’m sticking to index funds now. Market girta hai toh bhi SIP chalti rehti hai.
Bass apne behavior pe kaam kar raha hoon.”
I grinned.
“Bunny, welcome to the pro-level game. Tum ab paisa kamaaoge… kyunki experience tumne kamaa liya hai.”
If Bunny Can Learn, So Can You
If you’re feeling:
“Mutual Funds samajh nahi aate.”
“Main hi galat time pe invest karta hoon.”
“Mujhe lagta hai main kabhi rich nahi ban paunga…”
Take a deep breath.
You’re just in the Beginner’s phase.
Every wise investor was once a worried Bunny or a Younger version of Investing Uncle.
You don’t have to be perfect. You just have to be patient.
“Pehle market tumhara patience test karega…
And one fine day, it will pass you with compounding mutual funds.
Feel Like This Blog Helped?
If YES, Maybe you treat Uncle with a cup of Tea?
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Because someone has to make investing feel human again.
P.S. What was your most painful investing lesson?
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Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully before investing. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation. This blog/Website is for Educational purpose only. Any reference should not be treated as any form of Financial Advice.
Any person referred to in this post is purely coincidental. The characters, names, and situations mentioned are for illustrative and educational purposes only and are not intended to represent any real individual.
‘Investing Uncle’ is NISM Series V-A Certified (Mutual Fund Distributor’s Certification Examination) conducted by National Institute of Securities Markets (NISM)
Investing Uncle is not SEBI/AMFI Registered.